BlastPoint's Banking Scorecard
Farmers & Merchants Savings Bank
Community
Specialty: Commercial
IA
FDIC cert 9298
Manchester, IA
1484
banks in Community tier nationally
58 in IA
View Community leaderboard (IA) →
Farmers & Merchants Savings Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 7% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$593.8M
-1.7% YoY
-4.6% QoQ
|
-$797.7M |
$1.4B
+2.0% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 14% in tier |
| Total Loans ? |
$428.0M
+2.7% YoY
+5.0% QoQ
|
-$547.5M |
$975.5M
+2.4% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
19% |
| Total Deposits ? |
$514.0M
+0.1% YoY
-5.5% QoQ
|
-$650.6M |
$1.2B
+1.7% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
15% |
| Return on Assets ? |
0.71%
-32.5% YoY
+20.4% QoQ
|
-0.45% |
1.16%
+17.2% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
20% |
| Net Interest Margin ? |
4.20%
+16.6% YoY
+2.5% QoQ
|
+0.53% |
3.66%
+9.1% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
77% |
| Efficiency Ratio ? |
65.44%
+0.2% YoY
+5.7% QoQ
|
+2.80% |
62.63%
-5.3% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
39% |
| Delinquency Rate ? |
0.36%
-80.5% YoY
-55.0% QoQ
|
-0.27% |
0.63%
+18.3% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
56% |
| Loan-to-Deposit Ratio ? |
83.26%
+2.6% YoY
+11.2% QoQ
|
+0.19% |
83.06%
+0.3% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
26.75%
+4.7% YoY
+5.6% QoQ
|
+5.70% |
21.05%
-0.9% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
75% |
| Nonperforming Asset Ratio ? |
0.26%
-79.6% YoY
-50.4% QoQ
|
-0.24% |
0.50%
+20.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
58% |
| Tier 1 Capital Ratio ? |
14.04%
-1.0% YoY
-7.0% QoQ
|
+3.79% |
10.24%
-0.6% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.27%
+0.4% YoY
+45.3% QoQ
|
-0.47% |
0.74%
-1.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
19% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Flatlined Growth
risk
#17 of 245 · Bottom 7% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.71%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
77
77th pctile
Net Interest Margin
Current: 4.20% · Tier avg: 3.66%
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 26.75% · Tier avg: 21.05%
68
68th pctile
Tier 1 Capital Ratio
Current: 14.04% · Tier avg: 10.24%
58
58th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.50%
56
56th pctile
Delinquency Rate
Current: 0.36% · Tier avg: 0.63%
55
55th pctile
Loan-to-Deposit Ratio
Current: 83.26% · Tier avg: 83.06%
39
39th pctile
Efficiency Ratio
Current: 65.44% · Tier avg: 62.63%
20
20th pctile
Return on Assets
Current: 0.71% · Tier avg: 1.16%
19
19th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.74%
19
19th pctile
Total Loans
Current: $428.0M · Tier avg: $975.5M
15
15th pctile
Total Deposits
Current: $514.0M · Tier avg: $1.2B
14
14th pctile
Total Assets
Current: $593.8M · Tier avg: $1.4B
Top Weaknesses
14
14th pctile
Total Assets
Current: $593.8M · Tier avg: $1.4B
15
15th pctile
Total Deposits
Current: $514.0M · Tier avg: $1.2B
19
19th pctile
Total Loans
Current: $428.0M · Tier avg: $975.5M
19
19th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.74%
20
20th pctile
Return on Assets
Current: 0.71% · Tier avg: 1.16%
39
39th pctile
Efficiency Ratio
Current: 65.44% · Tier avg: 62.63%
55
55th pctile
Loan-to-Deposit Ratio
Current: 83.26% · Tier avg: 83.06%
56
56th pctile
Delinquency Rate
Current: 0.36% · Tier avg: 0.63%
58
58th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.50%
68
68th pctile
Tier 1 Capital Ratio
Current: 14.04% · Tier avg: 10.24%
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 26.75% · Tier avg: 21.05%
77
77th pctile
Net Interest Margin
Current: 4.20% · Tier avg: 3.66%